paul ryan in the senate, but it came from bill clinton's chief of staff. this is an idea that's been around for a long time, which is saying, hey, let's see if we can get competition into the medicare world so that people who get the choice of different plans at lower cost, better quality. i believe in competition. >> jim, if i can just respond quickly, first of all, every study has shown that medicare has lower administrative costs than private insurance does, which is why seniors are generally pretty happy with it. and private insurers have to make a profit. nothing wrong with that. that's what they do. you have higher administrative costs, plus profit on top of that. and if you're going to save any money through what governor romney's proposing, what has happened is the money has to come from somewhere. and when you move to about a system, you are putting seniors at the mercy of those insurance companies. and over time, if traditional medicare has decayed or fallen apart, then they're stuck. and this is the reason why aarp has said that your plan would